Mike Solo 33.jpg

Michael Zipfel

Email: Zipfel@Zipfel.com
Phone: (513) 321-0111
Cell: (513) 313-7899
Fax: (866) 904-3470
NMLS #60861,
OH MB #803665, LO #2357.001
KY MB#18472, FL MB#


Michael Zipfel, the founder and President of Zipfel Capital, has been in the mortgage business since graduating from Miami University with a degree in finance in 2001.

Focusing on a fundamentally sound approach to home finance, Michael realized early in his career that providing the most aggressive rates and terms requires a low overhead structure. In addition, Michael's analytical approach to mortgage enables him to maximize his clients' dollars by aptly providing advice and product placement based on each client's particular situation, taking into consideration each borrower's ownership horizon, credit & income scenario, downpayment/equity position, and foreseeable life changes, all of which play a major role when selecting a mortgage product.

With an emphasis on providing no cost/low cost mortgage options, Mr. Zipfel provides lending solutions that minimizes the risk of financial loss due to life’s curveballs, while still providing scenarios that provide undeniable benefit to the borrower.


Tim Solo 3.jpg

Tim O'Brien

Email: Tim@Zipfel.com
Phone: (513) 310-7180
Fax: (866) 904-3470
NMLS #246789
OH LO #035661.001


As an equity partner in Zipfel Capital, Tim provides an unparalleled level of customer service & execution for both his residential and commercial clients. Ten years as a debt placement strategist, Tim works directly with his client’s wealth managers, real estate brokers, CPA’s & attorneys to ensure the mortgage aligns with both their short and long term financial goals.

Leader amongst his industry peers, Tim was recognized in Mortgage Professional Magazines America’s HOT 100 list for 2018; movers and shakers redefining America’s mortgage industry. Tim’s routinely featured annually as a Greater Cincinnati Mortgage Bankers Association (GCMBA) Diamond Producer as well as previously published advice within Cincinnati Business Courier’s “Ask the Expert” piece.

Being a life-long Cincinnati resident, Tim holds a bachelor’s degree from Xavier University and is a graduate of The Summit Country Day School.

Outside of Zipfel Capital, Tim is a real estate investor and active within the Cincinnati Youth Collaborative aimed at providing guidance to under-served youth. He lives in the Cincinnati neighborhood of Mt. Lookout with his wife, Emily, daughter Grace and son Teddy.


Blake Solo 1.jpg

Blake Zaring

Email: Blake@Zipfel.com
Phone: (513) 321-0111
Cell: (513) 284-8085
Fax: (513) 657-4681
NMLS #1013939


As Business Manager, Blake is responsible for the operations of Zipfel Capital. He oversees company marketing, brand outreach, client retention efforts and office efficiency.

In his Development role, Blake is charged with both nurturing and expanding Zipfel Capital lending relationships as well as leading company growth strategies thru client focused professionals in various industries: brokers, realtors, wealth managers, to name a few.

Adding thoughtful prospective, Blake has been a featured professional radio guest on “Business Wise” WNKU discussing market trends and lending best practices. Venue Magazine featured Blake in their list of "Next Generation of Community Leaders".

Present and past affiliations include:

Dan Beard Council, Board Member; Professional Leadership Network, Co-Chair; University Club of Cincinnati, Board President; Cincinnati Squash Academy, Futures Board Member.

Blake received his Bachelors of Science degree from University of Denver, Daniels College of Business. He is an avid squash player & downhill skier.


Kurt Solo.jpg

Kurt Weil

Email: Kurt@Zipfel.com
Phone: (513) 321-0111
Cell: (513) 919-6699
Fax: (513) 657-4683
NMLS #1543755


Kurt joined Zipfel Capital after a long career within the commercial real estate industry. Previously VP of Business Lending at two privately held collectives, Kurt has been responsible for lending in excess of $300,000,000 in commercial paper within the Greater Cincinnati market.

Furthermore, now within broker model, Kurt is able to match a variety of competitive lenders to each specific deal. This flexible foundation offers Kurt’s clients a wealth of solutions in navigating the debt placement industry.

Kurt specializes in multifamily, office, industrial, flex and retail. Kurt also has a strong background in SBA lending, being able to provide clients 7(a) and 504 options to small businesses looking to grow.

Kurt holds a bachelor’s degree from Hillsdale College and is a graduate of Elder High School.



Hannah Lambert

Email: Hannah@Zipfel.com
Phone: 513-321-0111
Cell: 513-532-2013
NMLS #1826205


Before becoming an originator, Hannah began her mortgage career as a loan processor on behalf of multiple loan officers in charge of hundreds of loans & $150,000,000 in annual volume.

Working with many first time home buyers, Hannah takes great pride in her meticulous attention to detail, continual communication & client education from start to finish. Within both residential and commercial space, vast market insight, alongside relentless execution, are all characteristics that differentiate Hannah and her Zipfel Capital team. Hannah has past leadership experience within medical field.

Hannah has a Bachelor’s of Science from the University of Cincinnati and is a graduate from Cincinnati Hills Christian Academy. Hannah is a lifelong Cincinnati resident. Notably, Hannah is a diehard Ohio State Buckeyes football fan and can be found screaming at the TV on Saturdays in the fall!


Randy Church

Email: Randyc@Zipfel.com
Cell: (513) 616-9431


Randy has over 24 years of experience in the financial services industry. Over the last 16 years his focus has been on Commercial and SBA finance, which includes SBA 7a, SBA 504, and commercial real estate loans. In 2014 and in 2015, Randy won the Hamilton County SBA Lender of the year. Prior to Zipfel Capital, Randy led the commercial lending division for a family owned community bank in Cincinnati.

Randy has an MBA and was a financial advisor for 8 years prior to getting into banking. A lot of colleagues and friends like to call Randy “the mayor” because they say he knows everyone in town.

Randy was born and raised in Cincinnati, Ohio. He played college football until he was injured and then attended University of Kentucky before graduating from Xavier University. Randy has been married for 19 years and has a 16 year old son, Will, and a 14 year old daughter, Jordan.

Randy loves sports, finance, and being with his wife and kids. His favorite thing to do when he’s not coaching high school basketball at his alma mater, is to travel around and watch his son play golf and his daughter play travel soccer and AAU basketball. When he isn’t watching them play sports he loves being with his family and traveling to northern Michigan in the summers and Florida in the winters.


Mission Statement:

Assemble an unparalleled group of lender relationships offering our valued
clients the most aggressive products & solutions in the marketplace. Period.


Vision Statement:

To be one of the foremost debt placement outlets up to $100,000,000
in the region and country.


Core Values:

Innovate Constantly / Customers 1st / Radical Transparency / Desire to Lead / Service, Service, Service / Community Involvement